Home Ins Company

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Defend Yourself by Making a House Inventory for property ins Policy.

What is a house inventory?

A house inventory is a full list of the personal property located at your home and attached to your house coverage policy. You should also add possessions that you have stored elsewhere, maybe in a storage area or a garage on the premises. Your list should contain your furnishings, jewelry, artwork, antiques, appliances, kitchen contents, clothing, rugs, drapes, PC equipment, TV sets, compact disk players (and other audio or audiovisual appliances), musical instruments, clocks, mirrors, linens, grass mowers, snow equipment, tools, sport equipment, and any other piece of worth.

Why do I have to have an inventory?

An inventory is very important for homeinsurance purposes. When you file an insurance claim for damaged, missing, or stolen property, your renters` insurance policy will require you to demonstrate the amount, description, real money worth (i.e., depreciated value), and amount of loss associated with each item. You will also be asked to present copies of checks, receipts, or other certification to support your figures. If you omit some items or fail to incorporate an adequate description of others, you may receive less than complete reimbursement for your losses. Counting solely on your memory can turn out as a costly mistake. As an exercise, try to recall every item at your kitchen junk drawer, and then, imagine having to do this for the entire home!

Making the house inventory.

Going room after room is probably the finest method to make your house inventory for the home owners assurance online. Make a record of every item in the room, opening drawers, closets, as well as storage boxes. Be as descriptive as you can. For example, don`t just write that a bed exists--describe the headboard, footboard, mattress, and bedclothes, note down colors and dimensions. Keep in mind the loft, entry closets, basement, and outbuildings. If you can, make an attempt to incorporate the following info for each thing:

Item description (and amount).

Manufacturer or company name.

Model number or serial.

Portrayal of where (or how) the item was obtained.

Date of purchase or age of item.

Check or other proof of acquiring, presenting price.

Current worth.

Substitution cost.

Copies of any appraisals.

A picture is worth a 1000 words.

It usually helps to take pictures or videotape your property, especially if the pieces are hard to adequately depict on paper or in case you don`t have a check. If you have a camera, label every photo with information about the piece shown. If you exploit a camcorder, provide a commentary concerning each item shown. Date-stamp your recording or take a photo of the date on that day`s newspaper. It`ll help you afterward to file a property coverages claim in case something happens.

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